Friday, October 19, 2007

HOUSINGFEAR (aka "HF", "We", "blogger") is an opinion blog (the “Service”) which we offer to you subject to these terms and conditions of use (“Terms”). By accessing, viewing, creating or contributing to HOUSINGFEAR and in consideration for the Services we provide to you, you agree to abide by these Terms. Please read them carefully before accessing, viewing, creating or posting to the blog

1. Webblog HostThis webblog is dedicated to providing general information which is of interest to our readers. The opinions expressed on this webblog are the opinions of the individual contributors.

2. Rights in the Content You SubmitAny and all works of authorship copyrightable by you and posted by you to this webblog (“Content”) are submitted under these Terms. By posting your Content using the Services, you are granting the HOUSINGFEAR a non-exclusive, royalty-free, perpetual, and worldwide license to use your Content in connection with the operation of the Services, including, without limitation, the license rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Content, and/or to incorporate it into a collective work.

AttributionWhen publicly displaying, publicly performing, reproducing or distributing copies of your Content, or Content as incorporated into a collective work, we will make best efforts to credit your authorship. You grant HOUSINGFEAR permission to use your name for such attribution purposes. You, likewise, agree to represent yourself accurately. You acknowledge that misrepresentation may lead us, in our sole discretion, to cancel your use of the Services and delete any of your Content.

3. ConductPostingAs a general matter, you may post content or responses to content in a blog freely, so long as the content of such post is not illegal, obscene, defamatory, threatening, infringing of intellectual property rights, invasive of privacy or otherwise injurious or objectionable. However, we reserve the absolute right to edit content. We may also determine not to post content if we determine that such content is not in the best interest of the blog or for any other reason.You may not use the HOUSINGFEAR name to endorse or promote any product, opinion, cause or political candidate. Representation of your personal opinions as institutionally endorsed by the blog is strictly prohibited.

By posting content or response to content in any blog, you warrant and represent that you either own or otherwise control all of the rights to that content, including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the content, or that your use of the content is a protected fair use. You agree that you will not knowingly and with intent to defraud provide material and misleading false information. You represent and warrant also that the content you supply does not violate these Terms, and that you will indemnify and hold us harmless for any and all claims resulting from content you supply.

AccessingYou understand that all content posted to this webblog is the sole responsibility of the individual who originally posted the content. You understand, also, that all opinions expressed by users of this site are expressed strictly in their individual capacities.

You agree that HOUSINGFEAR will not be liable, under any circumstances and in any way, for any errors or omissions, loss or damage of any kind incurred as a result of use of any content posted on this site. You agree that you must evaluate and bear all risks associated with the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

4. Disclaimer of Warranties and Limitation of LiabilityThis site is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the site’s operation or the information, content or materials included on this site. Information appearing in the content or materials included on this site is general information only. It is not meant to be, nor should it be considered as constituting legal or other professional advice. To the full extent permissible by applicable law, We hereby disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for any particular purpose. We will not be liable for any damages of any kind arising from the use of or inability to use this site. You expressly agree that you use this site solely at your own risk. Links to external sources are provided solely as a courtesy to our webblog visitors. We are not responsible for and do not endorse or warrant in any way any materials, information, goods or services available through such linked sites or any privacy or other practices of such sites.

5. Privacy PolicyWe won't knowingly share user details with anyone.

6. Modifications of These Terms of UseWe reserves the right to change, at any time, at our sole discretion, the Terms under which these Services are offered. You are responsible for regularly reviewing these Terms. Your continued use of the Services constitutes your agreement to all such Terms.

7. Copyright ComplaintsHOUSINGFEAR respects the intellectual property of others, and requires that our users do the same. If you believe that your work has been copied and is accessible on this site in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, please contact HOUSINGFEAR@GMAIL.COM

8. Defamation Disclaimer

HOUSINGFEAR cannot accept responsibility or liability (express or implied, contractual, tortious or otherwise) for any material contributed to this website. The views and opinions expressed by any contributor to this page are not necessarily those of the blog or blogger. HOUSINGFEAR is a 100% personal-opinions-only blog.

9. Misc.

The content on this blog is provided as general information only and should not be taken as investment advice. All site content, including advertisements, shall not be construed as a recommendation to buy or sell any security or financial instrument, or to participate in any particular trading or investment strategy. The ideas expressed on this site are solely the opinions of the authors who may or may not have a position in any company or advertiser referenced above. Any action that you take as a result of information, analysis, or advertisement on this site is ultimately your responsibility. Consult your investment adviser before making any investment decisions